Traditional fraud prevention methods are struggling to keep up with increasingly sophisticated identity theft and phishing schemes. One-size-fits-all MFA approaches often leave financial institutions vulnerable, creating gaps in security.
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Virtual KYC reimagines authentication by leveraging conversational AI, mobile data, and third-party insights to proactively prevent fraud. Seamlessly securing every channel, Directlink ensures consistent protection while delivering a frictionless, personalized customer experience.
Discover how Virtual KYC integrates with Virtual Banker, Virtual Operator, and Virtual Voice to elevate your security strategy:
 Banks saw $4.23 in costs for every $1.00 of fraud lost
This is an increase from $4.00 in 2021 and $3.64 in 2020
Costs include direct financial losses, transaction disputes, chargebacks, and other operational expenses
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76% of consumers would abandon a brand due to ATO
25% of consumers have experienced identity theftÂ
0.81% of consumers faced ATO with 1 of their financial institutions within the last 12 months
Are you sure you know who you are talking to?
Gather background information: user session, profile, and previous behaviors to create a fraud risk score
Do you trust your existing verification process?
Is your security and risk posture one-size-fits-all?
Categorize banking functions by risk and align authentication by tiers
Fraud prevention should be seamless, secure, and intuitive for customers. AI enhances traditional multi-factor authentication (MFA) by introducing passive verification and dynamic risk scoring. By aligning authentication levels with transaction sensitivity, customers experience frictionless access for low-risk actions and stronger security where it matters most.
Administrators need tools that provide both control and flexibility. Directlink enables secure, multi-channel data collection while leveraging configurable, rules-based logic to orchestrate authentication flows. By incorporating data from CRMs, transaction histories, and third-party sources, administrators can continuously refine risk scores and optimize fraud prevention strategies.
Transform your phone system into a branded asset that represents your community and organization
Traditional MFA Schemes
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Standard authorization procedures for low-risk account access
Passive Authentication & Risk Scoring
Lookup information from trusted sources and build upon a member risk profile for that session
Tiered Risk Tolerance & Step-up Authorization
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Authorization levels in alignment with escalating sensitivity of specific member banking transactions
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Transform your phone system into a branded asset that represents your community and organization
Multi-channel & Conversational
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Collect requisite information dynamically and securely through mediums that retail agents and members use
Configurable Rules-based Logic
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Determine the importance of each factor and how an outcome influences system authorization for the session
Extensible Risk Factors
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Incorporate bank data from CRM, transaction history, or other 3rd party to update the risk score and auth flow
Improved Retention
Less ATO for customers means less churn due to compromised financials and broken trust
Increased Efficiency
Improved account security reduces manual effort by operations to reconcile accounts and restore customer account security
Consistent Security
A unified strategy across all banking access points mitigates weak links in security, ensuring consistent protection
Enhanced Security
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Continuous risk-based authentication ensures every interaction is secure, reducing the risk of ATO
Omnichannel Awareness
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Combat account recovery scams by making all channel auth schemes aware of each other
Personalized Service
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Tailor authentication to each customer’s behavior, allowing for a more frictionless experience
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Improved Retention
Less ATO for customers means less churn due to compromised financials and broken trust
Increased Efficiency
Â
Improved account security reduces manual effort by operations to reconcile accounts and restore customer account security
Â
Consistent Security
A unified strategy across all banking access points mitigates weak links in security, ensuring consistent protection
Enhanced Security
Â
Continuous risk-based authentication ensures every interaction is secure, reducing the risk of ATO
Omnichannel Awareness
Â
Combat account recovery scams by making all channel auth schemes aware of each other
Personalized Service
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Tailor authentication to each customer’s behavior, allowing for a more frictionless experience
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Directlink goes beyond a platform—it’s a commitment to seamless service, enhanced efficiency, and genuine connection. Step into the future of banking where every interaction is designed to deliver exceptional outcomes, build trust, and elevate customer experiences.
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Use this tool to gain insights into the financial impact of ATO fraud.
